RF&L WEALTH MANAGEMENT, LLC Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
CVX	CHEVRON CORP NEW	7,760 (+438.9%)	$1,183 (+428.9%)	0.7%	$151.70	-0.2%	COM	166764100
META	META PLATFORMS INC	8,385 (+27.1%)	$5,535 (+14.3%)	3.1%	$234.17	+185.0%	CL A	30303M102
BSV	VANGUARD BD INDEX FDS	110,905 (+4.5%)	$8,740 (+4.3%)	4.9%	$76.01	—	SHORT TRM BOND	921937827
ITOT	ISHARES TR	27,704 (+5.3%)	$4,119 (+7.5%)	2.3%	$102.43	—	CORE S&P TTL STK	464287150
VOO	VANGUARD INDEX FDS	8,818 (+3.0%)	$5,530 (+5.5%)	3.1%	$412.22	—	S&P 500 ETF SHS	922908363
BSVO	EA SERIES TRUST	38,641 (+22.5%)	$900 (+26.1%)	0.5%	$21.38	—	EA BRIDGEWAY OMN	02072L532
GL	GLOBE LIFE INC	3,903 (+51.9%)	$546 (+48.6%)	0.3%	$126.23	+7.3%	COM	37959E102
IDEV	ISHARES TR	31,079 (+2.0%)	$2,563 (+4.9%)	1.4%	$61.43	—	CORE MSCI INTL	46435G326
IWD	ISHARES TR	9,409 (+2.5%)	$1,979 (+5.9%)	1.1%	$161.65	—	RUS 1000 VAL ETF	464287598
DISV	DIMENSIONAL ETF TRUST	32,845 (+2.8%)	$1,248 (+9.4%)	0.7%	$27.31	—	INTL SMALL CAP V	25434V781
OHI	OMEGA HEALTHCARE INVS INC	30,796 (+2.0%)	$1,365 (+7.1%)	0.8%	$29.38	—	COM	681936100
DFEM	DIMENSIONAL ETF TRUST	28,725 (+2.7%)	$950 (+5.9%)	0.5%	$26.50	—	EMERGING MKTS CO	25434V732
VTV	VANGUARD INDEX FDS	5,018 (+1.2%)	$958 (+3.7%)	0.5%	$144.55	—	VALUE ETF	922908744
IJR	ISHARES TR	7,314 (+2.1%)	$879 (+3.3%)	0.5%	$102.49	—	CORE S&P SCP ETF	464287804

Exited Positions (1)

KR KROGER CO 0.1%

Value ($000) $202 Shares 3,000 Est. Cost $69.08 Unrealized -5.6%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
KR	KROGER CO	3,000	$202	0.1%	$69.08	-5.6%	—	501044101

Decreased Positions (11)

LLY ELI LILLY & CO 2.1%

Value ($000) $3,794 (+35.1%) Shares 3,530 (-4.1%) Est. Cost $345.79 Unrealized +176.3%

DFUV DIMENSIONAL ETF TRUST 5.3%

Value ($000) $9,526 (+2.7%) Shares 204,461 (-1.5%) Est. Cost $33.48 Unrealized —

UNH UNITEDHEALTH GROUP INC 0.9%

Value ($000) $1,688 (-6.4%) Shares 5,114 (-2.1%) Est. Cost $428.99 Unrealized -21.4%

BIL SPDR SERIES TRUST 0.2%

Value ($000) $302 (-26.1%) Shares 3,305 (-25.8%) Est. Cost $91.75 Unrealized —

SPY SPDR S&P 500 ETF TR 0.2%

Value ($000) $414 (-17.9%) Shares 607 (-19.8%) Est. Cost $382.43 Unrealized —

GOOGL ALPHABET INC 0.2%

Value ($000) $430 (+24.2%) Shares 1,373 (-3.5%) Est. Cost $141.98 Unrealized +101.2%

FNDC SCHWAB STRATEGIC TR 2.7%

Value ($000) $4,807 (-1.3%) Shares 107,892 (-1.4%) Est. Cost $31.78 Unrealized —

BIV VANGUARD BD INDEX FDS 0.1%

Value ($000) $229 (-17.2%) Shares 2,935 (-17.0%) Est. Cost $74.38 Unrealized —

FNDF SCHWAB STRATEGIC TR 1.1%

Value ($000) $1,975 (-2.2%) Shares 43,674 (-7.1%) Est. Cost $29.07 Unrealized —

UBER UBER TECHNOLOGIES INC 0.1%

Value ($000) $204 (-17.5%) Shares 2,500 (-1.1%) Est. Cost $82.44 Unrealized +9.2%

IWM ISHARES TR 0.6%

Value ($000) $999 (-0.4%) Shares 4,059 (-2.1%) Est. Cost $174.36 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
LLY	ELI LILLY & CO	3,530 (-4.1%)	$3,794 (+35.1%)	2.1%	$345.79	+176.3%	COM	532457108
DFUV	DIMENSIONAL ETF TRUST	204,461 (-1.5%)	$9,526 (+2.7%)	5.3%	$33.48	—	US MKTWIDE VALUE	25434V724
UNH	UNITEDHEALTH GROUP INC	5,114 (-2.1%)	$1,688 (-6.4%)	0.9%	$428.99	-21.4%	COM	91324P102
BIL	SPDR SERIES TRUST	3,305 (-25.8%)	$302 (-26.1%)	0.2%	$91.75	—	STATE STREET SPD	78468R663
SPY	SPDR S&P 500 ETF TR	607 (-19.8%)	$414 (-17.9%)	0.2%	$382.43	—	TR UNIT	78462F103
GOOGL	ALPHABET INC	1,373 (-3.5%)	$430 (+24.2%)	0.2%	$141.98	+101.2%	CAP STK CL A	02079K305
FNDC	SCHWAB STRATEGIC TR	107,892 (-1.4%)	$4,807 (-1.3%)	2.7%	$31.78	—	FUNDAMENTAL INTL	808524748
BIV	VANGUARD BD INDEX FDS	2,935 (-17.0%)	$229 (-17.2%)	0.1%	$74.38	—	INTERMED TERM	921937819
FNDF	SCHWAB STRATEGIC TR	43,674 (-7.1%)	$1,975 (-2.2%)	1.1%	$29.07	—	FUNDAMENTAL INTL	808524755
UBER	UBER TECHNOLOGIES INC	2,500 (-1.1%)	$204 (-17.5%)	0.1%	$82.44	+9.2%	COM	90353T100
IWM	ISHARES TR	4,059 (-2.1%)	$999 (-0.4%)	0.6%	$174.36	—	RUSSELL 2000 ETF	464287655

Unchanged Positions (34)

DFIV DIMENSIONAL ETF TRUST 3.6%

Value ($000) $6,442 Shares 129,106 Est. Cost $32.18 Unrealized —

DFAT DIMENSIONAL ETF TRUST 9.8%

Value ($000) $17,399 Shares 292,219 Est. Cost $44.01 Unrealized —

AAPL APPLE INC 4.3%

Value ($000) $7,617 Shares 28,019 Est. Cost $140.70 Unrealized +90.7%

MSFT MICROSOFT CORP 2.8%

Value ($000) $5,016 Shares 10,371 Est. Cost $234.05 Unrealized +113.9%

AMZN AMAZON COM INC 3.3%

Value ($000) $5,946 Shares 25,759 Est. Cost $98.71 Unrealized +131.8%

WMT WALMART INC 1.8%

Value ($000) $3,288 Shares 29,509 Est. Cost $52.82 Unrealized +102.9%

COST COSTCO WHSL CORP NEW 1.9%

Value ($000) $3,333 Shares 3,865 Est. Cost $721.62 Unrealized +25.5%

DFUS DIMENSIONAL ETF TRUST 6.1%

Value ($000) $10,849 Shares 146,276 Est. Cost $41.69 Unrealized —

DFAC DIMENSIONAL ETF TRUST 6.3%

Value ($000) $11,275 Shares 284,805 Est. Cost $24.31 Unrealized —

DFAS DIMENSIONAL ETF TRUST 3.6%

Value ($000) $6,484 Shares 93,068 Est. Cost $51.61 Unrealized —

VBR VANGUARD INDEX FDS 2.7%

Value ($000) $4,834 Shares 22,823 Est. Cost $162.34 Unrealized —

CRWD CROWDSTRIKE HLDGS INC 1.2%

Value ($000) $2,109 Shares 4,500 Est. Cost $317.30 Unrealized +60.5%

VTI VANGUARD INDEX FDS 2.9%

Value ($000) $5,232 Shares 15,606 Est. Cost $191.19 Unrealized —

ABBV ABBVIE INC 2.2%

Value ($000) $3,886 Shares 17,006 Est. Cost $137.22 Unrealized +65.8%

ABT ABBOTT LABS 0.7%

Value ($000) $1,189 Shares 9,494 Est. Cost $97.62 Unrealized +30.4%

IEMG ISHARES INC 1.9%

Value ($000) $3,461 Shares 51,487 Est. Cost $49.09 Unrealized —

KO COCA COLA CO 0.7%

Value ($000) $1,198 Shares 17,130 Est. Cost $54.92 Unrealized +26.4%

DFAX DIMENSIONAL ETF TRUST 0.8%

Value ($000) $1,385 Shares 42,331 Est. Cost $21.60 Unrealized —

JPM JPMORGAN CHASE & CO. 1.3%

Value ($000) $2,256 Shares 7,000 Est. Cost $117.65 Unrealized +163.1%

XOM EXXON MOBIL CORP 0.2%

Value ($000) $410 Shares 3,405 Est. Cost $96.28 Unrealized +19.9%

QCOM QUALCOMM INC 0.5%

Value ($000) $839 Shares 4,906 Est. Cost $117.38 Unrealized +45.5%

IWN ISHARES TR 0.5%

Value ($000) $850 Shares 4,690 Est. Cost $138.67 Unrealized —

SPDW SPDR INDEX SHS FDS 0.3%

Value ($000) $585 Shares 13,170 Est. Cost $29.69 Unrealized —

SCHX SCHWAB STRATEGIC TR 0.3%

Value ($000) $537 Shares 19,961 Est. Cost $29.76 Unrealized —

SNPE DBX ETF TR 0.2%

Value ($000) $293 Shares 4,697 Est. Cost $43.54 Unrealized —

MGV VANGUARD WORLD FD 0.2%

Value ($000) $412 Shares 2,922 Est. Cost $101.40 Unrealized —

MGK VANGUARD WORLD FD 0.2%

Value ($000) $353 Shares 855 Est. Cost $259.51 Unrealized —

SCZ ISHARES TR 0.4%

Value ($000) $717 Shares 9,248 Est. Cost $56.55 Unrealized —

NVDA NVIDIA CORPORATION 2.6%

Value ($000) $4,715 Shares 25,283 Est. Cost $109.74 Unrealized +69.6%

FTEC FIDELITY COVINGTON TRUST 0.3%

Value ($000) $474 Shares 2,108 Est. Cost $122.93 Unrealized —

TSLA TESLA INC 0.3%

Value ($000) $518 Shares 1,152 Est. Cost $181.28 Unrealized +144.5%

VWO VANGUARD INTL EQUITY INDEX F 0.6%

Value ($000) $1,087 Shares 20,213 Est. Cost $39.41 Unrealized —

FXL FIRST TR EXCHANGE TRADED FD 0.2%

Value ($000) $273 Shares 1,625 Est. Cost $128.07 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.3%

Value ($000) $619 Shares 1,232 Est. Cost $324.70 Unrealized +53.2%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
DFIV	DIMENSIONAL ETF TRUST	129,106	$6,442	3.6%	$32.18	—	INTERNATNAL VAL	25434V807
DFAT	DIMENSIONAL ETF TRUST	292,219	$17,399	9.8%	$44.01	—	US TARGETED VLU	25434V609
AAPL	APPLE INC	28,019	$7,617	4.3%	$140.70	+90.7%	COM	037833100
MSFT	MICROSOFT CORP	10,371	$5,016	2.8%	$234.05	+113.9%	COM	594918104
AMZN	AMAZON COM INC	25,759	$5,946	3.3%	$98.71	+131.8%	COM	023135106
WMT	WALMART INC	29,509	$3,288	1.8%	$52.82	+102.9%	COM	931142103
COST	COSTCO WHSL CORP NEW	3,865	$3,333	1.9%	$721.62	+25.5%	COM	22160K105
DFUS	DIMENSIONAL ETF TRUST	146,276	$10,849	6.1%	$41.69	—	US EQUITY MARKET	25434V401
DFAC	DIMENSIONAL ETF TRUST	284,805	$11,275	6.3%	$24.31	—	US CORE EQUITY 2	25434V708
DFAS	DIMENSIONAL ETF TRUST	93,068	$6,484	3.6%	$51.61	—	US SMALL CAP ETF	25434V500
VBR	VANGUARD INDEX FDS	22,823	$4,834	2.7%	$162.34	—	SM CP VAL ETF	922908611
CRWD	CROWDSTRIKE HLDGS INC	4,500	$2,109	1.2%	$317.30	+60.5%	CL A	22788C105
VTI	VANGUARD INDEX FDS	15,606	$5,232	2.9%	$191.19	—	TOTAL STK MKT	922908769
ABBV	ABBVIE INC	17,006	$3,886	2.2%	$137.22	+65.8%	COM	00287Y109
ABT	ABBOTT LABS	9,494	$1,189	0.7%	$97.62	+30.4%	COM	002824100
IEMG	ISHARES INC	51,487	$3,461	1.9%	$49.09	—	CORE MSCI EMKT	46434G103
KO	COCA COLA CO	17,130	$1,198	0.7%	$54.92	+26.4%	COM	191216100
DFAX	DIMENSIONAL ETF TRUST	42,331	$1,385	0.8%	$21.60	—	WORLD EX US CORE	25434V880
JPM	JPMORGAN CHASE & CO.	7,000	$2,256	1.3%	$117.65	+163.1%	COM	46625H100
XOM	EXXON MOBIL CORP	3,405	$410	0.2%	$96.28	+19.9%	COM	30231G102
QCOM	QUALCOMM INC	4,906	$839	0.5%	$117.38	+45.5%	COM	747525103
IWN	ISHARES TR	4,690	$850	0.5%	$138.67	—	RUS 2000 VAL ETF	464287630
SPDW	SPDR INDEX SHS FDS	13,170	$585	0.3%	$29.69	—	PORTFOLIO DEVLPD	78463X889
SCHX	SCHWAB STRATEGIC TR	19,961	$537	0.3%	$29.76	—	US LRG CAP ETF	808524201
SNPE	DBX ETF TR	4,697	$293	0.2%	$43.54	—	XTRACKRS S&P 500	233051143
MGV	VANGUARD WORLD FD	2,922	$412	0.2%	$101.40	—	MEGA CAP VAL ETF	921910840
MGK	VANGUARD WORLD FD	855	$353	0.2%	$259.51	—	MEGA GRWTH IND	921910816
SCZ	ISHARES TR	9,248	$717	0.4%	$56.55	—	EAFE SML CP ETF	464288273
NVDA	NVIDIA CORPORATION	25,283	$4,715	2.6%	$109.74	+69.6%	COM	67066G104
FTEC	FIDELITY COVINGTON TRUST	2,108	$474	0.3%	$122.93	—	MSCI INFO TECH I	316092808
TSLA	TESLA INC	1,152	$518	0.3%	$181.28	+144.5%	COM	88160R101
VWO	VANGUARD INTL EQUITY INDEX F	20,213	$1,087	0.6%	$39.41	—	FTSE EMR MKT ETF	922042858
FXL	FIRST TR EXCHANGE TRADED FD	1,625	$273	0.2%	$128.07	—	TECH ALPHADEX	33734X176
BRK/B	BERKSHIRE HATHAWAY INC DEL	1,232	$619	0.3%	$324.70	+53.2%	CL B NEW	084670702